Organized property reports, plans, and digital assessment tools on a professional desk.

Expert consulting · field inspections · decision-ready reports

Experts in the field. Intelligence across every claim.

Theo Claims coordinates experienced consultants and field resources, documents property conditions, and delivers clear reports for claims, construction, underwriting, litigation, and risk decisions—supported by an AI-enabled TPA operations platform.

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Expert-ledBuilding consultants, estimators, engineers, field specialists, and claim professionals matched to the assignment.

Field-verifiedStructured inspections, geotag-ready photo documentation, condition findings, measurements, and open-item tracking.

AI-accelerated, human-reviewedDocument intelligence and workflow automation improve speed while experienced professionals control conclusions and quality.

Primary Service Line

Expert consulting and field reporting for property decisions.

From the first inspection through final reporting, Theo puts qualified people on the assignment and turns field facts, photos, estimates, records, and technical findings into work product clients can act on.

Expert & Consultant Coordination

Building consultants, engineers, estimators, cause-and-origin resources, mitigation specialists, and other technical professionals coordinated around the actual issue.

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Field Inspections & Reports

Property inspections, damage and condition documentation, repair-progress reviews, required photo sets, access logs, and clear field reports.

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Estimate & Construction Review

Scope reconciliation, Xactimate and contractor estimate analysis, repair-method review, mitigation invoice review, and supplement support.

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Large Loss & CAT Support

Rapid field coordination, expert deployment, daily status intelligence, estimate review, and scalable reporting for high-exposure events.

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Decision-Ready Reporting

Executive summaries, technical findings, issue matrices, annotated photo records, estimate review memos, chronologies, and final documentation packages.

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Insurance & Property Stakeholders

Support for carriers, TPAs, MGAs, counsel, owners, lenders, property managers, investors, and organizations that need verified building intelligence.

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Second Core Function · Ready for Program Onboarding

The Theo TPA Claims Operations Platform.

A ready operating environment for property claim programs—combining structured intake, intelligent triage, assignment routing, diary and task control, expert coordination, quality assurance, client reporting, and portfolio-level analytics.

AI-assisted workflows help extract information, classify documents, surface missing items, detect exceptions, and draft status summaries. Human claim professionals retain authority, judgment, and final review.

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AI-Assisted IntakeFNOL capture, document ingestion, data extraction, and smart triage

Workflow OrchestrationAssignments, diaries, SLAs, escalation rules, and expert coordination

Claims IntelligenceHuman-in-the-loop QA, anomaly detection, dashboards, and trend insights

Technology With Accountability

Practical AI for faster, more consistent claim operations.

Theo applies artificial intelligence where it strengthens the file: organizing unstructured documents, accelerating review, standardizing data, surfacing exceptions, and keeping teams ahead of the next action.

Document intelligenceAutomated data extractionNatural-language searchSmart assignment routingPredictive severity signalsException detectionWorkflow automationHuman-in-the-loop QAPortfolio analyticsAPI-ready data

AI supports the work; people make the decisions. Policy interpretation, claim authority, legal conclusions, and final technical opinions remain with authorized professionals.

Pre-Policy & Pre-Loss Property Intelligence

Field inspection reports for insurers—and any organization that needs to understand a building.

Theo’s proprietary property inspection report remains available for pre-policy underwriting, renewal, acquisition due diligence, portfolio risk review, lender review, capital planning, proof-of-condition documentation, and other pre-loss decisions.

Insurance Underwriting

Field-verified conditions, public-record research, construction and occupancy findings, risk observations, severity ratings, and claim-ready baseline evidence.

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Ownership & Investment

Independent building condition intelligence for acquisitions, dispositions, portfolio review, deferred-maintenance planning, and vendor oversight.

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Lenders, Managers & Counsel

Organized inspection evidence for collateral review, property management, dispute documentation, repair verification, and factual case support.

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One Operating Model

Field expertise, disciplined reporting, and scalable technology.

Qualified Resources

Assignments are matched to professionals with the right field, construction, estimating, engineering, or claim experience.

Structured Evidence

Photos, observations, estimates, reports, and pending items are organized so the client can see both the conclusion and its support.

Operational Visibility

Technology connects intake, field activity, expert work, quality review, status reporting, and portfolio intelligence without removing human oversight.

Start With the Assignment

Need an expert, a field report, a property inspection, or a TPA program partner?

Tell us what needs to be inspected, evaluated, coordinated, or administered. Theo will identify the right service path and next step.

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